Priority Pass
HDFC Bank
HDFC Regalia Gold Credit Card
The HDFC Regalia Gold Credit Card is a premium all-rounder card that serves as a highly anticipated upgrade to the popular HDFC Regalia family. While past devaluations had reduced the appeal of earlier Regalia models, the Regalia Gold variant is a potential game-changer in the sub-5000 annual fee bracket.
Important note
May be issued as Lifetime Free (LTF) or First Year Free (FYF) if you apply via an active HDFC corporate tie-up, an internal bank upgrade offer, or if you hold a high-relationship salary account with HDFC Bank. Standard digital applications are usually charged.
Affiliate link — CreditGully may receive a referral commission via Cuelinks if you are approved. Terms apply — verify current offer with the bank.
Data last updated 20 July 2026.
At a Glance
Annual Fee
₹2,500
Joining Fee
₹2,500
Fee Waiver
Spend ₹4,00,000 annually
Lounge Access
Domestic + International Lounge Access
Forex Markup
2%
Effective Yield
1.25% – 16.25%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The HDFC Regalia Gold Credit Card is a premium all-rounder card that serves as a highly anticipated upgrade to the popular HDFC Regalia family. While past devaluations had reduced the appeal of earlier Regalia models, the Regalia Gold variant is a potential game-changer in the sub-5000 annual fee bracket. It offers a well-structured rewards program and versatile features that effectively provide good value-back across both online and offline purchases.
Key highlights of the card include 5 reward points for every Rs. 200 spent on standard categories, accelerated 5X rewards on popular platforms like Nykaa, Myntra, Marks & Spencer, and Reliance Digital, and up to 10X points on SmartBuy travel bookings. The premium Gold Catalogue allows cardholders to redeem points at an attractive rate of Rs. 0.65 per point against premium brands like Apple, Bose, and Fitbit. Cardholders also gain robust lounge privileges, including 12 domestic lounge visits and 6 international lounge visits via a complimentary Priority Pass, alongside rewarding milestones that offer up to Rs. 16,000 in vouchers annually.
This card is ideal for high-spenders who want strong value-back on shopping and travel. It is particularly well-suited for individuals who frequently shop at partner brands, use the SmartBuy portal for booking flights and hotels, and can hit the high spend thresholds required to unlock the valuable quarterly and annual milestone vouchers.
What We Like
We highly appreciate the card's multi-faceted rewards program, featuring a premium Gold Catalogue for high-value redemptions on top-tier brands. Additionally, the generous combination of up to 12 domestic and 6 international complimentary lounge visits provides outstanding airport utility. Finally, the ability to earn up to Rs. 16,000 in yearly vouchers makes it an excellent option for maximizing milestone spend.
Pros
- ✓Earn 5X reward points on purchases at Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
- ✓Collect reward points on typically excluded spend categories, such as insurance, utility bills, and education.
- ✓Access flexible reward redemption options that offer strong point values.
- ✓Enjoy premium travel benefits including Priority Pass, complimentary airport lounge visits, and annual flight vouchers.
- ✓Get up to Rs. 16,000 worth of vouchers every year through quarterly and annual spend milestones.
Cons
- ✗Accelerated 5X reward point earnings are restricted to a limited selection of brands.
- ✗Redemption rates are quite low when converting points to cash statement credit or purchasing standard products and vouchers.
- ✗Unlocking the maximum value of the card's milestone benefits requires meeting a high spend threshold.
Get This Card If
- ✓You are a high-spender capable of meeting spend thresholds to maximize reward rates and milestone vouchers.
- ✓You frequently purchase products from brands like Myntra, Nykaa, Marks & Spencer, and Reliance Digital.
- ✓You prefer having diverse reward redemption choices, such as air miles, premium products, and brand vouchers.
- ✓You prioritize travel benefits like complimentary lounge access, airline vouchers, and hotel memberships.
- ✓You are looking for a credit card that delivers consistent value-back on both offline and online transactions.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield | Cap * |
|---|---|---|---|
Accelerated Brands (5X Rewards) | 25 Reward Points (RP) per ₹200 | 8.25% | 5,000 RP per calendar month |
SmartBuy Hotels (10X Rewards) | 50 RP per ₹200 | 16.5% | 4,000 Bonus RP per month (combined SmartBuy purchases) |
SmartBuy Flights & Vouchers (5X) | 25 RP per ₹200 | 8.25% | 4,000 Bonus RP per month (combined SmartBuy purchases) |
Grocery, Utility & Telecom | 5 RP per ₹200 | 1.625% | 2,000 RP per month (each category) |
Base Retail Spends | 5 RP per ₹200 | 1.625% | 50,000 RP per cycle (Base Cap) |
Excluded Categories | No Points Earned | 0.0% | — |
Total earning cap: 50,000 reward_points per month across all categories. Earning stops once this limit is reached, regardless of per-category caps shown above.
* Category caps shown are based on publicly available card terms. Banks frequently revise caps and rates without notice — always verify current limits directly with the issuer before applying.
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹1.5 Lakh | Brand Voucher | ₹1,500 Voucher | Earn a ₹1,500 voucher from Myntra/Nykaa every calendar quarter. |
| ₹5 Lakh | Flight Voucher | ₹5,000 Voucher | Awarded for hitting ₹5 Lakhs annual spend in an anniversary year. (please confirm with HDFC as product page differs from the TnC pdf) |
| ₹7.5 Lakh | Flight Voucher | ₹5,000 Voucher | Additional voucher on reaching ₹7.5 Lakhs (Total ₹10k in annual flight vouchers). |
| ₹4 Lakh | Fee Waiver | ₹2,500 + GST Savings | Renewal fee waived for the next year upon hitting ₹4 Lakhs annual spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| SmartBuy Flights/Hotels | ₹0.50 per RP2:1 Ratio | Best Value (Maximize for travel; up to 70% of booking via points) |
| Gold Catalogue / Exclusive Brands | ₹0.65 per RP1.53:1 Ratio | High Value (Specific high-end products only) |
| Airmiles Conversion | ₹0.50 (Approx)2:1 Ratio | Travel-Oriented (Partners: Vistara, Singapore Air, etc.) |
| Products and Voucher | ₹0.35 per RP | Avoid (Moderate loss in value compared to travel bookings) |
| Statement Credit (Cash) | ₹0.15 per RP3:20 Ratio | Avoid (Significant loss in value compared to travel bookings) |
What You Need to Know
Upcoming Accrual Devaluation
Effective May 15, 2026, base earning moves from 4 RP/₹150 to 5 RP/₹200.
Impact: Reduces base yield from 1.33% to 1.25%; affecting long-term accrual speed.
Lounge Spend Trigger (July 2026)
Effective July 1, 2026, lounge access will require a ₹60,000 quarterly spend.
Impact: Until then, it remains the last major card with unconditional lounge access.
New Utility & Wallet Caps
1% fee on Utility (>₹50k/cycle) and Wallet loads (>₹10k/cycle).
Impact: Even though it earns rewards on utilities, high bills now attract a net cost.
Insurance/Edu Monthly Cap
Reward points on Insurance and Education are capped at 2,000 RP per month.
Impact: High-value annual premiums will only earn rewards on the first ~₹75k of spend.
Essential Fine Print
Reward Exclusions
Excluded Transactions: Fuel, Wallet loads, Rent payments, Government transactions, Cash advances, and Easy EMI do not earn reward points.
Welcome Offer
Complimentary Swiggy One and MMT Black Gold membership
On spends of ₹1 Lakh in first 90 days
Lounge Access
Priority PassDomestic Lounge Access
3 complimentary domestic lounge visits per calendar quarter for self and add-on members on spends of ₹60,000 or more in the preceding calendar quarter.
International Lounge Access
6 complimentary international lounge visits per calendar year via Priority Pass for self and add-on members.
Milestone Benefits
Quarterly Milestone
₹1,500 voucher from Myntra/Nykaa on ₹1.5 Lakhs spend per quarter.
₹5 Lakhs annual spend
₹5,000 flight voucher on ₹5 Lakhs annual spend
₹7.5 Lakhs annual spend
Additional ₹5,000 flight voucher on ₹7.5 Lakhs annual spend.
Additional Features
Insurance Coverage
Accidental Air Death Cover of ₹1 Crore and Emergency Overseas Hospitalization cover of ₹15 Lakhs.
Low Forex Markup
Competitive 2% markup on all foreign currency transactions.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹2,500 |
| Annual / Renewal Fee | ₹2,500 |
| Fee Waiver Threshold | Spend ₹4,00,000 annually |
| Forex Markup | 2% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Salaried Citizen
Age: 21-60 years, Net Monthly Income > ₹1 Lakh (For Govt.), Net Monthly Income > ₹1.5 Lakh (For Non-Govt.)
Self-Employed Citizen
Age: 21-65 years, ITR > ₹18 Lakhs per annum
Ready to apply for HDFC Regalia Gold Credit Card?
Annual fee: ₹2,500 · Waived on ₹4,00,000 spend
Frequently Asked Questions
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Annual fee
₹2,500
1.25% – 16.25% yield